The handling fee is 0.7% for two to three installments, 0.68% for four to six installments, 0.66% for seven to nine installments, and 0.64% for 10 to 12 installments.

Suppose the total amount of your 165438+ 10 monthly bill is 10000 yuan, and the minimum repayment amount is 500 yuan. You only need to repay 500 yuan, and the remaining 9,500 yuan can be applied for payment by installment. The repayment of installment amount will only start from 65,438+February.

Amount payable in each installment = total installment amount ÷ number of installments (the remainder is recorded in the amount payable in the first installment)+total installment amount × handling fee rate in each installment.

If you repay each installment on time, there will only be an installment fee, and there will be no interest.